Adi, age 45 and Bae, age 47 are going through a marriage breakdown. Adi was part of a registered pension plan. The payment options to Bae from the pension plan due to marriage breakdown are the following, except:

a. Purchase of an immediate annuity.

b. Payment of a company pension upon retirement age.

c. A lump-sum transfer to the Bae's locked-in retirement account (LIRA) or locked-in RRSP.

d. A transfer of pension credits to the RPP of Bae (if she belongs to her own pension plan at her own place of employment.